AUTHOR ARCHIVES

Tammy Flanagan

Tammy Flanagan is the senior benefits director for the National Institute of Transition Planning Inc., which conducts federal retirement planning workshops and seminars. She has spent 25 years helping federal employees take charge of their retirement by understanding their benefits.

For more retirement planning help, tune in to "For Your Benefit," presented by the National Institute of Transition Planning Inc. live on Federal News Radio on Mondays at 10 a.m. ET on WFED AM 1500 in the Washington-metro area. Archived shows are available on NITPInc.com.

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Survivor Benefits: Q&A

April 25, 2008 Last week's column on survivor benefits led to a series of questions and comments. This week, I'll try to address some of them. Does there have to be at least a nominal monthly survivor benefit for the surviving spouse for that spouse to continue being covered under the retired spouse's ...

Supporting Your Survivors

April 18, 2008 Are you providing financial support for someone? That could be a spouse, dependent children, a disabled relative or an aging parent. As you consider your own retirement, you also should consider what might happen to these people if you die before they do. Available Benefits Here is a list of ...

Make Retirement Easy

April 11, 2008 Last week, we looked at some of the reasons for delays in processing retirement applications. The Office of Personnel Management is trying to address that issue with its retirement systems modernization project, which now goes by the name RetireEZ. The Office of Personnel Management says the new system is working ...

Delayed Gratification

April 4, 2008 If you had retired at the end of 2007, by now you probably would be thinking that you should've received your third full retirement check, for the month of March. (January and February, presumably, would have come in earlier checks.) But if you had anything but a straightforward career -- ...

Continued Coverage, Continued

March 28, 2008 To use an old cliché, last week's column, in which I took up continuing coverage under the Federal Employees Health Benefits Program into retirement, opened up a can of worms. I wanted to address some of the questions to clarify key issues. What percentage of my retirement annuity or amount ...

The Five-Year Test

March 21, 2008 The issue of maintaining health insurance coverage is very important for federal employees getting close to retirement. Those who carry insurance under the Federal Employees Health Benefits Program into retirement enjoy annual health benefit open seasons, continued government contributions toward the cost of premiums and coverage for family members. To ...

Countdown to Retirement

March 14, 2008 So you've set your retirement date and discussed your plans with those who will be affected by your decision. Your co-workers and family members all have assured you that you've made the right choice and you're beginning to picture your new life. Even if you've picked a date almost a ...

Getting Social

March 7, 2008 Social Security is insurance against loss of income due to death, disability or retirement. Not everyone will collect Social Security benefits equally, but unlike most forms of insurance, most of us actually want to collect them at some point. I don't know about you, but I really don't want to ...

Keep Your Records

February 29, 2008 If you want tips on organizing your life, all you need to do is turn on the TV, open a magazine or do a quick Google search. Here's a piece of advice from Monica Ricci, who has been an organizing and productivity specialist since 1999: "Many people accumulate paper clutter ...

Facing Disability

February 22, 2008 "Phillip" is 52 years old and has saved up more than 1,500 hours of sick leave since he first started working for the federal government almost 30 years ago. He has been diagnosed with cancer. He hopes that with treatment, it will go into remission, but during chemotherapy, he is ...